Today's Daily Digit is $37.6 billion. This is how much U.S. banks made in the third quarter of 2012, according to the Federal Deposit Insurance Corporation, or FDIC. It's the highest quarterly total for the industry since 2006. There are two major reasons behind the 6.6 percent increase from a year ago: First, as business picked up, banks chopped the amount set aside to cover bad loans. Second, banks are boosting income from fees, like overdraft fees and account service charges.